Supported by Visa Europe and Codes & Ciphers, a company providing consultancy advice on information security, the trial program enables British people to use the NFC technology to access online government services, replacing passwords and login details. Thus, the pilot card program is expected to allow the UK government to enable consumers to enrol and access a wider range of services through the activation of bank-issued Visa debit cards. In addition to Visa debit cards, the technology could also be used in the future with photo ID driving licenses, National Health cards, benefit payment cards and even some types of pre-paid card for people who currently cannot access financial or government services, the same source notes.
How it works
The Visa CodeSure card features an embedded PIN pad designed to allow consumers to generate a passcode by typing their PIN number into the card. In addition, the card includes contactless technology, allowing users to make purchases by waving and paying.
Customers using the Visa CodeSure payment card can complete the process of validating an online transaction in a few steps. First, the cardholder activates the authentication process by pressing the “Verified by Visa” option button on the card’s keypad. When prompted, the consumer inputs their PIN into the keypad embedded in the card. Finally, a unique one-time-passcode will appear on the card’s display, which can be used by the cardholder to authenticate a standard Verified by Visa online transaction.
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